Closing Costs

A solid estimate can lead to a successful close

If there's anything you can count on, it's change. And mortgage closing costs are no exception. If you know how to estimate closing costs, you may avoid last-minute surprises.

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Typical mortgage closing costs covered in your Loan Estimate

The Loan Estimate you receive after you apply is based on the information we have at the time, and closing costs will vary with each loan. Three days before you close, you'll get a Closing Disclosure with final costs. Below are some examples of typical mortgage closing costs.

Origination Charges can include charges like the application and underwriting fees

Services You Cannot Shop For are costs for services the lender chooses, such as the appraisal, credit report, and flood determination service

Services You Can Shop For are services you can shop the costs for, including the pest inspection, survey, and title search

Taxes and Other Government Fees include recording fees and other taxes. Your lender has no control over these costs

Prepaids are the first payments for your homeowners insurance, mortgage insurance, and prepaid interest